I have a savings salary account and a credit card with ICICI Bank.
Last weekend ICICI bank has deducted about Rs 29,000 from my salary account. The total available balance in my account was Rs 18,570.54 so they deducted that and now it's showing Rs.-11,384.51.
I don't know if they have blocked my salary account because I am not able to withdraw any amount using ATM card or cheque.
I called ICICI customer care and they told it has been blocked by the credit card department of ICICI.
An amount of Rs 29,000 was due on my ICICI credit card even though my limit was only Rs 23,000 and my principal amount is not more than Rs 18,000.
I had asked for settlement but never got any letter for settlement and instead they have deducted this amount from my salary account.
As far as I know the savings account and credit card both are separate entities in a Bank. Bank cannot make any transaction without my consent.
This is totally unacceptable.
Kindly suggest how can I recover and unblock my salary account with ICICI.
Any help would be highly appreciated.

Originally Posted by shasmaha

I have a savings salary account and a credit card with ICICI Bank.
Last weekend ICICI bank has deducted about Rs 29,000 from my salary account. The total available balance in my account was Rs 18,570.54 so they deducted that and now it's showing Rs.-11,384.51.
I don't know if they have blocked my salary account because I am not able to withdraw any amount using ATM card or cheque.
I called ICICI customer care and they told it has been blocked by the credit card department of ICICI.
An amount of Rs 29,000 was due on my ICICI credit card even though my limit was only Rs 23,000 and my principal amount is not more than Rs 18,000.
I had asked for settlement but never got any letter for settlement and instead they have deducted this amount from my salary account.
As far as I know the savings account and credit card both are separate entities in a Bank. Bank cannot make any transaction without my consent.
This is totally unacceptable.
Kindly suggest how can I recover and unblock my salary account with ICICI.
Any help would be highly appreciated.

Hi, we're from ICICI and are sorry to hear about your experience. Please write to us at care@icicibank.com with your credit card number and contact details. We will call you and work to address to your issue.

Dear Sir,

To sort out such kind of Banking complaints, you will have to send a written complaint to the Head Office of the ICICI Bank and wait for the response for near 15 to 20 days. Keep a copy of that letter with you so that if the Bank fails to give you any solution, you can forward your complaint to the Banking Ombudsman. The address is:

Chairman & Managing Director, ICICI Bank,
10th Floor, ICICI Tower, South Tower,
Bandra- Kurla Complex, Mumbai,
Maharashtra - 400051.

I have a savings salary account(031401503417) and a credit card(4477462063189003) with ICICI Bank.
Last weekend ICICI bank has deducted about Rs 11,898 from my salary account. The total available balance in my account was Rs 11,898 so they deducted that and now it's showing Rs.-19,432.55.
I called ICICI customer care and they told it has been blocked by the credit card department of ICICI.
An amount of Rs 32,000 was due on my ICICI credit card even though my limit was only Rs 24,000 and my principal amount is not more than Rs 23,000.
I had asked for settlement but never got any letter for settlement and instead they have deducted this amount from my salary account.
As far as I know the savings account and credit card both are separate entities in a Bank. Bank cannot make any transaction without my consent.
This is totally unacceptable.
Kindly suggest how can I recover and unblock my salary account with ICICI.
Any help would be highly appreciated. I am very good customer of ICICI bank from last 4-5 years. Till now I have paid all the installment on time. I am not in defaulter list in any bank or your bank.
Please solve the problem asap. I will take serious action regarding this problem. Please treat on priority basis.
now they debit 11,880 from my account without any information. i want to back my money.

I have encountered the same unacceptable behavior from ICICI credit card team
I have a savings salary account and a credit card with ICICI Bank.
Today approximately Rs 31 347/- were deducted from my salary account without any intimation through sms, e-mail or letter (ICICI bank has all the details), even after this freezing of account nobody bothered to inform me. I receive sms on my mobile number for any transaction I make but I have not received any sms on this stealing of money.
I had Rs 38,786/- in my ICICI savings account and suddenly it started showing 7335.45 (after I made a purchase of Rs 104.27 /- I received the sms with this amount).
I called ICICI customer care and they informed me that the amount has been freezed in lieu of non-payment credit card bill (approx. Rs 31000/-), limit of this credit card is Rs 50, 000/- and there is nobody available from the department which is responsible for this.

I have never hidden anything from ICICI bank, which may trigger them to take such drastic and absolutely illegal measures.

My salary is my hard earned money; it is not always possible to make credit card payments on time BUT ICICI BANK CHARGES HUGE INTERESTS FOR THAT, I plan to make this payment in instalments

AND

ICICI Bank cannot ( in any case) make any transaction on my salary account without my consent.

This is totally unacceptable.

Kindly suggest how I can recover this money and I also want to file a criminal case against ICICI bank.
Any help would be highly appreciated.

Prashant Vashisht
Mob – 9867003036
prashantgia@yahoo.com

HI,

I am another victim of so called unauthorized and uninformed lock on my salary account by ICICI. I had a corporate card from ICICI in 2004 however I surrendered that card to my company in 2005 when I resigned. After 7 years, now in 2011 I received calls from telecallers that I had a due of 26,500 INR on the said card. I asked them about detalis and they could not furnish the details. Parallely as I had applied for personal loan from ICICI and did not want to hamper that because of this issue I asked for settlement, which was agreed on 18000 INR. I also informed them that I have a salary account in ICICI. Since then I did not get any call from them and suddenly a collection manager called me asking about my details for settlement. He told that he is raising this and it will be done. Next day I saw that my salary account has a lien of 27000 INR. I was not even informed about the same at all. Also, I am not aware of what they are going to do with my loan application. It is not about money but the unfair practices of this bank. I am in urgent need of money and I told them that once I get the loan than I can even pay the full amount as well. I asked them about the information to CIBIL but I only recieved vague answers. Shall I write to the Head office and MD of the bank with the complaint or directly to the banking ombundsman?

Thanks for the help.

Manish Seth
Manish.seth.VW@gmail.com

I have a savings salary account with ICICI Bank.

Last weekend ICICI bank has deducted about Rs 14,000 from my salary account. I called ICICI customer care and they told it has been linked with the credit card I used to have around 3 years ago. There was a disputed amount of around 3-4 thousand which after my repeated complaints, was never taken care of and it seems they kept charging interest and other fees.

I had asked for settlement but never got any letter for settlement and now suddenly they have deducted this amount from my salary account last monday.

As far as I know the savings account and credit card both are separate entities in a Bank. Bank cannot make any transaction without my consent. This is totally unacceptable and frustrating. I even called up customer care but in vain.

Kindly suggest how can I recover.
Any help would be highly appreciated.

Suchait Sachdeva
suchait.sachdeva@gmail.com